Quotes By Suze Orman

I think they've been baby bummers.

I love the Roth IRA. Tax-free income in retirement is a truly great deal.

Every portfolio benefits from bonds; they provide a cushion when the stock market hits a rough patch. But avoiding stocks completely could mean your investment won't grow any faster than the rate of inflation.

If you're saving for the long run, it's actually a good thing when the market is down because the more shares you have, the more you can potentially make when markets rise. And over time - decades, not months - the markets rise more than they fall.

A pile of bills and statements - whether paid or not - is a sign that someone is clueless about what's coming in and going out.

In all realms of life it takes courage to stretch your limits, express your power, and fulfill your potential... it's no different in the financial realm.

The less money you owe, the less income you'll need and the less you'll have to save for tomorrow.

I get so frustrated when people tell me it's unrealistic to create an eight-month emergency savings fund, or have money saved for a home down payment, or pay off their $5,000 credit card balance.

Just because you can afford it doesn't mean you should buy it.

The way to build your savings is by spending less each month.

If you're financially responsible, your children have a much better chance to grow up financially responsible.

If you wait until your children are high school seniors to spring it on them that there's not a whole lot of money for school, they won't have too many options.

No one's ever achieved financial fitness with a January resolution that's abandoned by February.

I simply want you to give to yourself as much as you give of yourself. By taking care of yourself financially, you will truly be able to take care of those you love.

Never cosign a loan. Once you have cosigned, you cannot get out of it - even on your deathbed.

I have always advocated doing everything possible to pay off credit card balances; it's good financial management and the ticket to a strong FICO credit score.

Never invest emergency savings in the stock market.

Even if you were to fall into extreme financial hardship and file for bankruptcy, you need to understand that your student loan debt will not be discharged in bankruptcy. It is the Velcro of all debts.

The key to making money is to stay invested.

Put your financial life on autopilot as a form of 'forced' saving.

I love, love, love that you want to use your debit card. But to keep your credit score solid, you still need to keep a few credit cards and use them at least once every few months.

Who would you want to be giving you advice? Somebody who doesn't have any money?

It's easy to underestimate the real cost of home ownership.

You must recognize, embrace, and be honest about what is real for you today and allow that understanding to inform the choices you make. Only then will you be able to build the future of your dreams.

Once your kids are grown and you know that you're completely healthy, consider canceling your life insurance policy.

When you are grateful - when you can see what you have - you unlock blessings to flow in your life.

If you are worried about job security and do not have an adequate emergency fund (ideally eight months' worth of living expenses stashed away in a federally insured bank or credit union), you need to focus more on saving money than paying down the balance on your credit cards.

Focus on what you have.

In order to create lasting security you must learn to stand in your truth.

If you're going down the street and you're going the wrong way, remember - God permits U-turns.